Companies · Fintech
Africa · Fintech
Diligence memoA one-page analyst read on Kayko — recommendation, valuation, rhythm, risks.→Kayko looks under-valued against its niche peers and is active on financing cadence.
Synthesized from the figures below est. — every claim rests on a number shown on this page. Valuation uses the fintech sector profile.
Analyst read est. — computed against this company's niche peers in the same era. Inputs shown; not a quoted figure.
Kayko is one of 1063 Fintech companies tracked from Africa. By capital raised it ranks in the upper tier (ahead of 74% of sector peers), and mid-pack by modeled valuation est..
Ranking is computed against this company's own sector cohort — reported capital is fact; valuation tiers are modeled.
Rwandan fintech startup Kayko has raised US$1.2 million in seed funding for Kayko to support its mission of using data to unlock access to finance for small businesses across the country.
Rwandan fintech startup Kayko has raised US$1.2 million in seed funding for Kayko to support its mission of using data to unlock access to finance for small businesses across the country.
As reported in public records reported — not modeled.
Solid bars are reported offering amounts reported; hatched bars are the modeled post-money valuation est. — both on one shared scale so you can read raise-vs-worth at each round directly. Use the toggles to overlay data labels and the niche-peer / market average value lines.
The line shows cumulative reported funding over the period; + labels show new capital added between points when there is room. Toggle on-bar figures, plus the niche-peer and market averages, to read this company against its cohort. Benchmarks are modeled medians.
Stages are modeled from round size (public records carry no series label). No record for: Pre-Seed — the company may have raised it under a different exemption, merged it into an adjacent record, or skipped it. Sequence completeness: 50%.
Round size and date are reported; the stage label is inferred from round size (latest is Seed — a $1.0M–$4.0M round). Valuation is modeled from stage benchmarks scaled by the fintech sector profile. Directional, not a quoted figure.
Not enough modeled valuation points to chart a trajectory.
Benchmarked against 1063 companies in Fintech. Each bar is a median (the middle company, not an average — outliers don't skew it). Two yardsticks: real money raised (reported on Form D) and modeled value (our estimate est.). These are whole-sector medians across all stages, except the per-stage row.
Raised more than 74% of sector peers (real $). Modeled value above 68% of peers (estimate).
A tighter cohort than the sector chart above — only companies at the same stage (Seed) that last raised in the same ~3-year era, ranked by modeled value est. (not money raised). This is the exact set the analyst read compares against, so a like-for-like cohort is what makes "over/under-valued" meaningful. This company ranks #8 of 11.
| Company | Stage | Raised · real | Value · est | vs peer med. |
|---|---|---|---|---|
| Affinity Africa | Seed | $8.0M | $30.0M | 4.98× |
| PayTic | Seed | $4.0M | $13.9M | 2.31× |
| Cauridor | Seed | $3.5M | $13.2M | 2.20× |
| Happy Pay | Seed | $5.0M | $11.0M | 1.82× |
| Munify | Seed | $3.0M | $8.6M | 1.43× |
| Accrue | Seed | $1.6M | $6.0M | 1.00× |
| Canter Wealth Holdco, LLC | Seed | $1.8M | $4.8M | 0.80× |
| Kayko this company | Seed | $1.2M | $3.0M | 0.49× |
| INVIA | Seed | $1.2M | $2.5M | 0.42× |
| Low Tide Private Lending, LLC | Seed | $6.2M | $1.0M | 0.17× |
| Hizo | Seed | $100K | $315K | 0.05× |
Stage is inferred from round size est., not reported on the filing — a round's dollar size maps to a bucket: Pre-Seed <$1.0M · Seed $1.0M–$4.0M · Series A $4.0M–$15M · Series B $15M–$40M · Series C $40M–$100M · Series D+ $100M–$400M · Growth/Late >$400M.
| Stage | Amount · real | Announced | Post-money · est | Value · est | Conf. |
|---|---|---|---|---|---|
| Seed | $1.2M | 2025-12-23 | $6.0M | $3.0M | 45% |
Step-up, pace versus the sector's normal cadence, and revenue/exemption moves — read straight from the reported round facts reported.
Predictive signals are modeled est. from this company's own cadence and step-up, plus sector benchmarks — directional, not advice. Peer set and a CSV export live in your analyst workspace.
Kayko is an official record sourced from the U.S. Securities and Exchange Commission (SEC). U.S. data is aggregated from SEC Form D filings.
Nearest neighbours across the whole database — matched on sector, stage and capital scale, and on shared operators (officers or directors named at both companies in public filings). A discovery shortlist, not a valuation cohort — verify before acting, the same way modeled figures are directional.
| Company | Sector | Stage | Raised · real | Value · est | Why similar |
|---|---|---|---|---|---|
| INVIA | Fintech | Seed | $1.2M | $2.5M | same sector · same stage |
| Wealthramp, Inc. | Fintech | Seed | $1.4M | $4.3M | same sector · same stage |
| OZE, Inc. | Fintech | Seed | $911K | — | same sector · same stage |
| Canter Wealth Holdco, LLC | Fintech | Seed | $1.8M | $4.8M | same sector · same stage |
| Quanta Credit Services, Inc. | Fintech | Seed | $2.4M | $4.3M | same sector · same stage |
| White Wolf Private Credit Partners LLC | Fintech | Seed | $2.8M | $1.2M | same sector · same stage |
| Low Tide Private Lending, LLC | Fintech | Seed | $6.2M | $1.0M | same sector · same stage |
| NjiaPay | Fintech | Pre-Seed | $1.0M | $3.5M | same sector |
See where Kayko sits in the wider market — its sector, location and stage cohorts, each with their own leaderboards and capital-flow timelines.
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